F.W. Webb Company 401(k) Review & Grade
The F.W. Webb Company Savings & Profit Sharing Plan
Bedford, MAWholesale Trade3,366 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,319Employer $ per active participant
$6,339Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$499.1MNet plan assets, end of year
$128,969Average balance per account
Score breakdown
- Employer generosity48.0 / 5096th percentile for employer $ per participant
- Low cost12.9 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 51th |
| Employee saving | 69th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- F.W. Webb put in about $8,319 per active participant, more than the typical peer ($2,459). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $28,004,643 |
| Participant (employee) contributions | $21,340,557 |
| Other contributions (incl. rollovers in) | $3,409,279 |
| Administrative expenses paid from the plan | $546,227 |
| Investment advisory & management fees | $296,711 |
| Other admin expenses | $2,400 |
| Benefits paid out | $36,770,302 |
| Net assets, start / end of year | $430.8M / $499.1M |
| Active participants, start / end of year | 3,296 / 3,437 |
| Participants with account balances | 3,870 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Citrin Cooperman & Co., LLP |
Largest service providers (Schedule C)
| Morgan Stanley | $296,711 reported compensation |
| Empower Annuity Insurance Company | $248,613 reported compensation |
| Empower Financial Services, Inc. | $447 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006125332NAL0001864467001, received 2025-10-06, EIN 04-1952890, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.